📈 Cash Flow Analytics Auditor

Analyze Income & Loan Eligibility

Audit bank statement PDFs client-side. Instantly calculate cash flows, recurring payroll incomes, debt obligations, and check for anomalies privately.

📈
Drop statement PDF here to audit
or click to browse your files (runs 100% locally in browser)
Analyzing statement tables...

statement.pdf

Cash Flow Audit Report generated locally.

Total Inflow (Deposits)
$0.00
Total Outflow (Withdrawals)
$0.00
Net Monthly Cash Flow
$0.00
Estimated Monthly Income
$0.00

💰 Identified Payroll & Recurring Inflow

⚠️ Fraud & Cash Loop Flags

🏠 Loan Eligibility Calculator

Computed Debt-To-Income (DTI)
38.5%
Verdict: Strong Eligibility (DTI < 43%)

Underwrite Income & Cash Flow

Safely check statements for payroll and DTI qualification

Key Features & Benefits

💰 Payroll Detection Engine

Heuristically identifies salary deposits by scanning transaction memo details for direct deposit, ACH payroll, and repeating paycheck amounts.

🏠 Real-Time DTI Calculator

Enter mortgage housing costs and recurring loan payments to compute your Debt-to-Income ratio instantly. Checks against standard lending thresholds.

⚠️ Loop & Round-Number Alerts

Flags suspicious activities, double-billings, or large round-number ATM withdrawals, which are common audit triggers for risk assessors.

🛡️ Safe Local Auditing

Your statements are read entirely inside your browser's private javascript sandbox. No account data is ever sent to web servers.

Frequently Asked Questions

It is built for mortgage brokers, landlords, freelancers, small business lenders, and accountants who want to quickly verify salary consistency, calculate cash flow margins, and check DTI ratios without manually typing ledger data.
Our local parser checks the description field against common transaction codes (salary, payroll, ACH, direct deposit, net pay) and filters for larger, regularly repeating deposit values.
DTI is the percentage of your gross monthly income that goes toward paying monthly debt obligations (like mortgages, auto loans, student loans, and credit cards). Lenders typically look for a DTI under 36% for strong eligibility and up to 43% for standard mortgage qualification.
No. Security is our priority. The pdf.js extraction engine runs locally inside your active browser tab. Your accounts, names, and transaction listings remain completely confidential.